Medicare Insurance Plans State of New Jersey

2014 Medicare health insurance for New Jersey seniors

People with Medicare benefits in New Jersey have a full range of health insurance options. You can stay on Original Medicare and supplement with a Medigap and Medicare Part D prescription drug plan, or you can enroll in a private heath insurance plan through Medicare Advantage. What you elect is up to you. However, options vary state-to-state and county-by-county. This website will show you all of your options in New Jersey. Click on your county below to proceed.

New Jersey Seniors at Risk with Original Medicare

You have probably heard that Original Medicare coverage is not A to Z health insurance. While it pays for about eighty percent of what it does cover, it does not pay for many common healthcare services that most seniors want and need.

Most seniors on Medicare in New Jersey are totally unprepaired. That's because Original Medicare benefits cover less than half of all health related expenses. You read that right, only half.

If you do nothing to mitigate the risk your out-of-pocket costs will be higher. Due to the rising cost of healthcare in New Jersey, you also run the risk of having massive debt due to an accident, critical illness, or a chronic condition (e.g., mood disorders, diabetes, heart disease, asthma, hypertension, etc).

A few of the critical services Original Medicare does not cover include prescription medications, vision, hearing, long-term care and routine foot care. You're on your own to pay for these services, on top of twenty percent of your major medical. Fortunately, you can take a couple of simple steps to protect yourself with one or more health insurance supplements. You also have the option to replace your traditional Medicare with a private plan.

You can learn more on this topic by visiting our Original Medicare page.